Create an Account

This Quick Start Guide (QSG) shows you how to create a current account using the Create a Current Account endpoints, but you can also use it to establish a:

Corporate current account
Mudaraba savings account
Savings account
Minor savings account
Non-resident savings account

Before you Start

You'll need to:

Request an API Key or renew an existing one.
Have an API testing tool installed, for example Postman.
Use a valid customer ID.

To help you complete the procedure, use our Postman Collection or copy the drop-down code samples.

Procedure: How to Create an Account

Open Postman.
Under Collections select temenos essential apis > transact > Accounts > POST Create Account.

Click the Body tab to view the payload. You can change any details, such as the product or currency.

2. View Body

Code sample: Create an Account Payload

{
  "header": {
"override": {
        "overrideDetails": [
            {
                "description": "Have you received Account Opening Agreement/AAA*212 from 800444}RECEIVED_NOT RECEIVED",
                "id": "DM.CONFIRM.DOC",
                "type": "Warning",
                "responseCode": "RECEIVED"
            },
                        {
                "code": "O-13039",
                "description": "NOLOG activity cannot be considered for dormancy processing. But If it requires, attach exception API",
                "id": "AA-DORMANCY.NOLOG.ACT",
                "type": "Override"
            }
        ]
}
     },
    "body":
    {
        "partyIds": [
        {
            "partyId": "800467"
        }
  ],
      "productId": "NEGOTIABLE.ACCOUNT",  
      "currency": "USD",
      "balance": {
      "accountName": "CurrentAccount{{$randomInt}}"}
    }
}

Key Terms: Create an Account

Key Terms	Description
companyId	Identifier of the lead company of the underlying Entity/Company/Branch for the respective contract for customer data protection purposes. Example US0010001.
userRole	User who initiated the transaction.
deviceId	Identifies the device type.

NOTE: Make sure you populate the following mandatory fields, otherwise the API won't run correctly.

"partyId": "800279" "productId": "NEGOTIABLE.ACCOUNT" "currency": "USD"

Click Send. A 200 OK Success message is displayed.

Code sample: Create an Account Response

{
    "header": {
        "transactionStatus": "Live",
        "audit": {
            "T24_time": 7995,
            "responseParse_time": 1,
            "requestParse_time": 1
        },
        "aaaId": "AAACT2110542LGHNM8",
        "status": "success"
    },
    "body": {
        "arrangementActivity": {
            "activityId": "ACCOUNTS-NEW-ARRANGEMENT",
            "partyIds": [
                {
                    "partyId": "800467"
                }
            ],
            "arrangmentId": "AA211056V1DV",
            "productId": "NEGOTIABLE.ACCOUNT",
            "currency": "USD",
            "tradeDate": "20210415",
            "arrangementEffectiveDate": "20210415",
            "partyRoles": [
                {
                    "partyRole": "OWNER"
                }
            ]
        }
    }
}

The account has now been created for the customer.

Procedure: Retrieving Account Details

This API retrieves details, such as:

Currency
Balances
Limit details
Arrangement details

Open Postman.
Under Collections select temenos essential apis > Transact > Accounts > Get Account Details.

NOTE: This command returns details of all accounts that have been created. To view a specific account, enter the accountID (800467) at the end of the URL. https://api.temenos.com/api/v1.0.0/holdings/accounts/{accountId}.

Click Send. A 200 OK Success message is displayed.

The API will return a list of the Account details.

Code Sample: Retrieve Account Details Response

{
    "header": {
        "audit": {
            "T24_time": 813,
            "responseParse_time": 0,
            "requestParse_time": 0
        },
        "page_start": 1,
        "page_token": "202104157336843624.00,99",
        "total_size": 1,
        "page_size": 99,
        "status": "success"
    },
    "body": [
        {
            "lockedAmount": 0,
            "totalPendingWithdrawalAmount": 0,
            "openActualBalance": 0,
            "customerName": "Tony Stark",
            "availableFunds": 165268.27,
            "onlineClearedBalance": 165268.27,
            "charges": [
                {
                    "propertyName": "Credit Interest|Debit Interest|Special Interest|Periodic Charges",
                    "paymentTypeName": "Interest|Interest Deferred|Interest|Periodic Charge",
                    "paymentMethod": "Capitalise|Capitalise|Capitalise|Capitalise",
                    "paymentFrequency": "Monthly|Monthly|Monthly|Monthly"
                }
            ],
            "totalCredits": "0",
            "taxRates": [
                {
                    "taxRate": "15% Withholding Tax"
                }
            ],
            "openClearedBalance": 0,
            "interests": [
                {
                    "accrualAmount": "0.00|0.00|0.00",
                    "lastPaidInterestAmount": "0|0|0",
                    "interestPaidYtd": "0.00|0.00|0.00",
                    "interestPropertyName": "Credit Interest|Debit Interest|Special Interest",
                    "consolidateInterests": [
                        {
                            "consolidateInterest": "0.02968% Periodic Single Rate |0.03468% Periodic Single Rate |0.50% Fixed Single Rate"
                        }
                    ]
                }
            ],
            "totalPendingDepositAmount": 0,
            "openingDate": "2021-04-15",
            "outstandingOverdraftLimit": 0,
            "totalDebits": "0"
        }
    ]
}

Key Terms: Retrieving Account Details

Key Terms	Description
accountId	Identifier of the account. Often referred to as the account number. Accepts both IBAN & BBAN
customerId	Identifier of the customer.
productId	Contains the unique identifier of the product, such as the product ID of the arrangement account.
currencyId	Identifier of the currency. This is the 3-letter ISO 4217 code of the currency.
arrangementId	Indicates a unique identifier of an account.

Procedure: Transferring Funds

This API transfers funds between accounts as well as details such as:

Transaction type
Amount
Date
Commission

Open Postman.
Under Collections select temenos essential apis > Transact > Accounts > POST Funds Transfer.
Click the Body tab to view the payload. You can change any details, such as the amount, creditAccountId, debitAccountId and endToEndReference.
Code Sample: Funds Transfer Payload
```
{
"header": {
},
"body": {
"debitCurrency": "USD",
"debitAccountId": "14613",
"debitAmount": 10000,
"transactionType": "AC",
"creditAccountId": "String"
}
}
```

Click Send. A 200 OK Success message is displayed.

A fund transfer has been created.

Code Sample: Funds Transfer Response

{
    "linkedActivities": [
        {
            "header": {
                "transactionStatus": "Live",
                "audit": {
                    "versionNumber": "1"
                },
                "id": "AAACT211050JQHZFTZ",
                "status": "success"
            },
            "body": {
                "arrangementId": "AA21105MH0FX",
                "activityId": "ACCOUNTS-TRANSFERIN-ARRANGEMENT",
                "productId": "CURRENT.ACCOUNT",
                "currencyId": "USD",
                "effectiveDate": "2021-04-15"
            }
        }
    ],
    "header": {
        "transactionStatus": "Live",
        "audit": {
            "T24_time": 4635,
            "responseParse_time": 0,
            "requestParse_time": 0,
            "versionNumber": "1"
        },
        "id": "FT2110557Q4Y",
        "status": "success"
    },
    "body": {
        "transactionType": "AC",
        "creditAccountIBAN": "GB07DEMO60161300126427",
        "debitValueDate": "2021-04-15",
        "debitCurrency": "USD",
        "debitAccountIBAN": "GB54DEMO60161300014613",
        "creditCurrencyId": "USD",
        "creditValueDate": "2021-04-15",
        "debitAccountId": "14613",
        "debitAmount": 10000,
        "creditAccountId": "126427",
        "commissionCode": "DEBIT PLUS CHARGES",
        "profitCentreCustomer": "100283"
    }
}

Key Terms: Funds Transfer

Key Terms	Description
credentials	Username and password to authenticate the API against core-banking.
companyId	Identifier of the lead company of the underlying Entity/Company/Branch for the respective contract for customer data protection purposes. Example US0010001.
deviceId	Identifies the device type.
userRole	User who initiated the transaction.

Explore Temenos Utilities

Explore Temenos Stacks

Create an Account

Before you Start

Procedure: How to Create an Account

Procedure: Retrieving Account Details

Procedure: Transferring Funds